VTSNX
VANGUARD TOTAL INTERNATIONAL STOCK INDEX FUND INSTITUTIONAL SHARES
Mentions (24Hr)
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Why not use international index funds (VXUS, VTSNX) to avoid or hedge against “Space X risk”
Hypothetical Elections - How is my breakdown of Stocks/bonds US/INT
Love it, hate it, or somewhere inbetween: tilt towards large cap momentum & small cap value
23M just started my first job, looking for thoughts on my 401(k) allocation
Top Oversold/Overbought Stocks - September 18, 2025 📊
I want to aggregate all my investment portfolios and need help
Mentions
Thanks for the explanation and advice. As with most company matching 403bs, 401ks, etc, the options are limited as far as investments go. Luckily they do offer a few Vanguard index funds such as VEXAX, VFTAX, VINIX, and VTSNX. So currently those are where my investments are instead of the default target date funds.
Thought's on the following overall breakout? Want to stay generally broad but thinking of doing a bit of a tilt towards US as well as large cap momentum & small cap value. Timeline is 30+ Years - In my low 20s and will be maxing out Roth & 401k (plus some funds going into brokerage) for the foreseeable future) US (80% of total): 64% US total market (VIIX + VIEIX in my 401k mimics VTI weight) 12% SPMO 4% AVUV Ex-US (20% of total): 10% International total market (VTSNX in my 401k) 5% IDMO 5% AVDV
Not sure if this is right place to put this. I'm finally starting out investing and using retirement accounts. I've done a bunch of research. I've got about a 32 year time horizon. I've never really asked for advice about this stuff. Here is my allocation: Roth IRA (represents 40% of my total portfolio): 35% FNILX (broad large cap) 30% XMMO (mid cap momentum, overweighted here because I can't get this in my other accounts) 15% AVUV (small cap value) 15% FZILX (broad international, developed and emerging) 5% AVDV (international small cap value) Roth 403b (represents 20% of my total portfolio): 65% VIIIX (S&P index) 15% DFFVX (small cap value) 20% VTSNX (broad international, developed and emerging) Roth 401k (represents 40% of my total portfolio): 65% SWPPX (S&P index) 15% DFFVX (small cap value) 10% SWISX (broad international, developed) 10% DCEFX (broad international, emerging)
> vanguard institutional total international stock market index trust. While you are correct that they are not *exactly* the same, the difference in performance will be negligible to VTSNX. So just use VTSNX as a surrogate.
Ok, so besides the whole "Biden crash" thing, the number one thing you can do is increase your contributions. Either by living more frugally, or getting a new job, side hustle, whatever. I understand it's not easy or simple to do, but really, that's all you can do if you want to grow your 401k more quickly. There's no way around that. Second, yes, you should consolidate into fewer funds. If you don't really understand what you're doing, then you're most likely doing more harm than good by buying into 4-5 different funds and re-balancing every year. A target date fund would probably be best for you. But since you said you have something against target date funds, you could also go with the index funds you have available (VTSNX, S&P 500 Index, and FSMAX). Also, I think you should consider your two IRAs and your 401k together as one big portfolio. So maybe you already are at $100k. And you should keep your IRAs simple, as well. Either a target date fund, or index funds. Just come up with a plan and stick to it. Don't try to beat the market by holding a bunch of different funds, it most likely will not work out in your favor.
I would simplify to just the S&P 500 fund for US, VTSNX for ex-US, and some broad bond fund (I can't tell what you have available). Several of those have pretty high expense ratios, [which really makes a difference](https://www.bogleheads.org/wiki/How_much_do_you_lose_to_annual_fees_after_many_years%3F). More generally, take a look at https://www.bogleheads.org/wiki/Approximating_Vanguard_target_date_funds .
You at least have VTSNX and your S&P 500 index fund. Either one is fine.
Can someone review 401k asset allocation? Recently moved to 50/50 FXIAX/VTSNX. Fund choices are limited for my employer
VTSNX is more broad and diversified because you get a little bit of everything. VWILX is more focused on companies that are expected to grow more than the market average. Can do one, the other, or both. Lower expense ratio is good, but growth has recently had better returns. That does NOT mean that that will continue to be true in the future. If you don't know what ESG is, it's not important for you.
VTSNX is not the same as VTI, it is the same as VXUS, its international
VFFSX - Same as VOO, 0.01% fee (basically free) - My top pick VIEIX - Same as VXF (Extended Market, this is every stock not in VOO, in the US) VTSNX - Same as VTI (Total Stock Market, you buy every stock in the US). My 2nd pick. The rest are all kinda bad. You can add bonds, but you seem young, so I'd just go all stocks at this point. Sad you don't have any good international funds, but c'est la vie!
I chose all vanguard index funds inside my 403b. Allocation percentage is based on the 2045 Vanguard target date fund. Rebalance yearly based on that. Average expense ratio for those funds is 0.05%. The plan is being managed by Core Bridge (AIG) 58% VITSX 33% VTSNX 9% VBTIX
22F First 401k and so clueless Hi I'm 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I've been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I'm confused and desperately need some help: 1. So far l've learned that, because I'm wanting to just throw money at this and not worry about upkeep, it's in my best interest to invest in mutual funds over EFTs. I've learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that l'm struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I've also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my monev into one mutual fund, either the VTTSX or VLXVX or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX....what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless l've been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can't even turn to relatives because none of them are financially smart either
The idea of target date funds is that they are already "funds of funds" that are maximally diversified. Right now VTTHX is: * 42% VSMPX - the total US stock market fund * 28% VTSNX - the total international (ex-US) stock market fund * 21% VTBIX - the total US bond market fund * 9% VTILX - the total international bond market fund So it's already extremely diversified and adding any additional funds to that portfolio would only make it *less* diverse, not more diverse. You can put 100% there and just forget about it for a decade or so. Note that there is always *some* risk with investing. That's what makes it lucrative. That said, this is a very well balanced portfolio and with a 10+ year horizon I think will do very well.
22F First 401k and so clueless Hi I’m 22F still in school but also making enough money that I can put aside $500 a month so that I can meet my yearly maximum of $7000. I recently opened a traditional 401k account with Vanguard with an initial deposit of $2000. I’ve been doing some research and decided that I want this to be a less aggressive source of investing for me, as I later plan to invest in some stocks through thinkorswim or something. Now here is where I’m confused and desperately need some help: 1. So far I’ve learned that, because I’m wanting to just throw money at this and not worry about upkeep, it’s in my best interest to invest in mutual funds over EFTs. I’ve learned about target date funds but my issue comes with choosing a target date. Ideally I would like to retire by 59 putting my target date at at least 2061. There are two mutual fund options that I’m struggling to choose between, VTTSX (2060) or VLXVX (2065). Which one would you recommend? 2. I’ve also been doing search on how to allocate the funds I put into my 401k. I have read that you can schedule for mutual funds to be bought and things like that. However should I invest all of my money into one mutual fund, either the VTTSX or VLXVX, or do I split it up a bit? Some people were mentioning doing 75% target date funds (25% the year u aim to retire, 25% +5 yrs, and 25% +10 yrs), then the remaining 25% as total stock market. I also saw someone recommend 55% VIIIX, 10% VIEIX, 15% VTSNX, 20% VBTIX….what do I do? 3. This is just a general if you have any advice or things you wish you knew, I am truly clueless I’ve been trying my best to gain some financial literacy but it is so hard when you have no support or help in any of this and you can’t even turn to relatives because none of them are financially smart either
I’m currently 5% VTSNX (cutting down to 2.5%), I don’t really have an interest in the index and I’m young with high risk tolerance. However, I have around 7% in individual companies that are international which I want to increase to 15%. Includes TSM, ASML, SPOT, MTY, ASR, MELI, and CNI.
10% VTSNX which is international, 11% VEMIX which is emerging markets within my 403b. In contrast to 66% in a vanguard S&P 500 index fund and another 4% into a vanguard small cap index. This is my only account with that exposure though. In my brokerage and Roth all is mainly domestic. A few exceptions like some TSMC stock
Is WTECT a fund...? At 21 just do the market. 100% in VIIIX (basically VOO). You have such a long time horizon you can ride out any bad periods and you don't need to worry about bonds yet. (Hell I'm 37 and barely worry about bonds) If you really want to sprinkle in some international, then maybe do some combination of VIIIX and VTSNX (like 80/20)
What asset allocation strategy are you already following in your Roth IRA and taxable account? I like viewing all accounts like one giant portfolio and then adjust them accordingly to follow my asset allocation strategy (with the slight exception for the taxable account where tax efficiency of the investments can be considered also). [https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/](https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/) Currently I follow a three fund portfolio minus the bond fund, I will allocate to bonds when I am closer to retirement. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) If I was in your shoes my portfolio would be: 55% VIIIX 15% VSCIX 30% VTSNX The first two funds approximate a Total U.S. Market Index Fund: [https://www.bogleheads.org/wiki/Approximating\_total\_stock\_market](https://www.bogleheads.org/wiki/Approximating_total_stock_market) The current Global market cap by weight is around 60% U.S. and 40% International, I slightly overweight the U.S. so that is why I go with a 70/30 portfolio. The above portfolio is a broadly diversified portfolio that will include the S&P 500 stocks, small and some mid cap stocks, growth and value stocks, dividend stocks, and international stocks. 401k fund selection guide: [https://www.reddit.com/r/personalfinance/wiki/401k\_funds/](https://www.reddit.com/r/personalfinance/wiki/401k_funds/) ​ p.s. It's awesome that your plan gives you access to institutional versions of Vanguard funds. When I was younger I wasted a lot of time picking investments thinking this would make me rich, instead I learned that I should have focused more on improving my income and increasing my contribution rate. Consistently investing on a schedule is where you really see your portfolio growing, investing every once in a while doesn't usually lead to success. Your greatest wealth building tool is your income. The more money you earn the more money you can invest and reach your goals even sooner, it's as simple as that. https://www.getrichslowly.org/building-wealth/
Personally, my accounts would like something like this given those specific funds: 65% VIIIX sp500 25% VSCIX small call index 10% VTSNX intl index You're young and don't need bond exposure now imo, although some people see an opportunity with bonds now.
Vanguard Inst (VIIIX) expense ratio 0.02% Vanguard TTL INTL (VTSNX) expense ratio 0.08% (Sorry, I'm not familiar with a lot of this. Still learning what info is necessary.) I appreciate your comment!
Vanguard Inst (VIIIX) expense ratio 0.02% Vanguard TTL INTL (VTSNX) expense ratio 0.08% (Sorry, I'm not familiar with a lot of this. Still learning what info is necessary.) I appreciate your comment!
The equivalent mutual funds are Schwab mutual funds. VFIAX = SWPPX VTSNX = SWISX VSCIX = SWSSX VMCIX = SWMCX Note that Schwab has a large mutual fund marketplace which are NTF (no transaction fee) so if you want to use a fund from a different investment manager - it may also be available at Schwab/TDA.
I'm transferring my HSA between custodians, and the new brokerage is TD Ameritrade. Can someone please help me identify the best mutual funds with them that most closely correlate to what I invested in with my past custodian: * MUTF:VFIAX * MUTF:VTSNX * MUTF:VSCIX * MUTF:VMCIX What are TD Ameritrade's equivalents to these?
In my Roth 401k: 90% VIIIX, 10% VTSNX In my Fidelity Roth IRA: 90% FSKAX, 10% FTIHX
For stocks, we got: CGNPT, CGIAC, LCVAL, MCGTH, SCCOR, VIEIX, VIIIX, VTSNX, and WLCG5
Not a whole lot to choose from haha. We got: CGNPT, CGIAC, LCVAL, MCGTH, SCCOR, VIEIX, VIIIX, VTSNX, WLCG5
Should I rollover my old 401k to my new job’s 401k? Old 401k Investments: VANGUARD EXT MARKET INDEX INST (VIEIX) - E/R 0.05% VANGUARD INST INDEX (VINIX) - E/R 0.03% VANGUARD TTL INTL STK IDX INST (VTSNX) - E/R 0.08% Maintenance/Admin Fees: $50.00/year New 401k Investments: Fidelity® Global ex U.S. Index Fund (FSGGX) - E/R 0.055% BlackRock Russell 2500 Index Fund - E/R 0.018% State Street S&P 500® Index Non-Lending Series Fund - E/R 0.0027% Maintenance/Admin Fees: $16.00/year
VTSNX is my employer sponsored 401k, VTIAX is my personal accounts
Losing money in the stock market, it's a bitter pill to swallow My VTSAX, VTIAX, VFFSX, VTSNX, they ain't worth a dollar ETHUSD, BTCUSD, they ain't worth a dime ARKK, PYPL, ARKX, NCLH, CCL, they've all lost their shine
Looking for feedback on allocations in my retirement funds. Wife and I are in late 20s/early 30s grossing roughly 140k/year annually from pension-eligible jobs. Her IRAs are in Vanguard target date funds and my accounts are a DIY mix of broad mutuals to reduce expense ratio drag. Set it up a few years ago and have mostly ignored it except rebalancing maybe once or twice a year. Currently, including her target funds and before rebalancing, we're around 80% stocks, 7% RE, 5-6% bonds and 6-7% cash. If nothing changes we'll rebalance to something like 85% stocks, 6.5% each bonds/RE, and 2% cash. Account types/funds follow, if needed. Account mix is a little convoluted because I don't want to roll my TSP and the 457b has a limited catalog of funds. **Her Roth (about 50% of our portfolio):** 94% VTTSX, 6% cash **Her tIRA (~5%):** 100% VTTSX **My TSP (~8%):** 84% S Fund, 16% F Fund **My 457(b) (~14%):** 49% VINIX, 44% VTSNX, 2% VIEIX, 1% TIREX, 2% cash **My Roth (~13%):** 33% VTSAX, 31% VGSLX, 31% VEMAX, 4% cash **My tIRA (~9%):** 97% VTSAX, 3% cash
Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1. I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2. extension of the above question, Should I leave the 2055 TDF be in my 401k? 3. All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
Work 401k/401a questions + allocations? Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1) I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2) extension of the above question, Should I leave the 2055 TDF be in my 401k? 3) All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
Hello all. 30 year old, 72k per year salary. Currently have a 401K company plan through vanguard in which 100% of my holdings are in 2055 Vanguard TDF. This was literally set and forgotten. Currently contributing 10% + 4% company match. I don’t currently contribute to a 401a (post tax?) For context I also have a Roth IRA through vanguard that I hold VTI (51%), VXUS (34%) and AVUV (15%). Currently no HSA. I have a few questions. 1) I tried to figure out how to more actively manage my 401k through the vanguard website (ie convert positions from to VOO or something with less bond allocation). I couldn’t figure out how to do this. All I could find is how to adjust some parameters and Vanguard would manage it for you. After I made these adjustments my allocations were as follows; 2055 TDF (35%), VIPIX (2%), VIIIX (23%), VMCIX (19%) and VTSNX (21%). This seems more aggressive than 100% 2055 TDF but honestly I need insight on this. 2) extension of the above question, Should I leave the 2055 TDF be in my 401k? 3) All I know about the 401a is that its post tax. Should I be contributing more to the 401a than the 401k? I’m paranoid and worried that I’m not my setting myself up for success and somewhere in between wanting to be slightly hands on in managing my portfolio but not wanting to screw things up because honestly it feels like a lot. Any insight and possibly help with navigating the vanguard website would be very appreciated.
I’m reviewing my 401(k) and trying to decide how to allocate it. I'm thinking of doing 42% large cap, 10% small cap, 15% international, and 33% bonds. Given my other info (below), how do these numbers look? More info: I am 43 years old and probably \~25 years from retirement. My risk tolerance is medium. My plan is to leave my allocations the same for 5 years. Then in 5 years I will put 5% more money in bonds and keep the other investments roughly proportionate. I currently have two 401(k)s (although I might do a rollover from my old one to my new one). In my current employer’s 401(k) with Charles Schwab, the large cap fund is FXAIX (Fidelity 500 Index), the small cap fund is GSSIX (Goldman Sachs Small Cap Value, has a .96% fee but no better options are available), the international fund is VTSNX (Vanguard Total Intl Stock Index), and the bond fund is VBTIX (Vanguard Total Bond Market Index). In my former employer’s 401(k) with Fidelity, the large cap fund is FXAIX (Fidelity 500 Index, same as at my other 401(k)), the small cap fund is FSSNX (Fidelity Small Cap Index Fund), the international fund is JIGTX (John Hancock Intl Growth Fund Class R6, .88% fee but no better options), and the bond fund is PICYX (Pioneer Bond Y, .45% fee but no better options). I don’t know much about investing, but my thought in domestic stocks is to very roughly replicate the total market. Trying to beat the market doesn’t seem like something I have the time or expertise to do – but if you think I’m making a mistake, let me know. Also let me know if any of my other numbers look screwy. Let me know if you need more info. Thank you so much for your help!
Rebalance away from US small-cap fund in favor of more S&P? I keep a three-fund portfolio in my Vanguard retirement account, as follows. VIIIX - \~64% (S&P 500) VSCIX - \~6% (US small-cap) VTSNX - \~30% (total international) US small-cap has lagged the S&P for a while (though not as bad as international), and it seems like that's not going to change anytime soon with rising interest rates. I'm thus considering rebalancing away from small-cap for now and going with a two-fund portfolio of just S&P and international, as follows. VIIIX - \~70% VTSNX - \~30% The plan would be to reevaluate every quarter or six months or so. Is this idea super dumb? Obviously, no one can predict the future, and small-cap could start rocketing tomorrow, but it doesn't seem likely. Thoughts? (A total US stock market fund is not available to me in this account.)